Archive for June 2010

Derogatory Credit Information in Your Credit Report and How to Handle it

Bob Pering asked: The derogatory credit information section in your credit report lists all the items that negatively affect your credit rating. It is this section that is given the most attention by creditors and lending agencies.The most damaging types of credit information are bankruptcies and foreclosures. These items can be reported on your credit [...]

Placed credit freeze at all 3 bureaus. Local/Regional credit reseller must obey?

Kenny L asked: If I place a credit freeze with the 3 major bureaus, can the local/regional resellers still issue/grant credit reports and scores? Or if the freeze is in place at the major bureaus – credit file is LOCKED and file not provided to reseller? I read somewhere that most states have “exceptions” and [...]